Here's your design with finishing effects. The outer type is now a shiny, smooth gold, with a brighter red outline. The large banner has metallic, embossed edges, with a slightly raised type. The belt has an arched, leather texture, with all the fittings done in brass. The center scamble rests on a brushed background, and a gold edge-stripe has been added to the letters. There is a very subtle drop shadow on the letters which lifts the them off the background. The tartan now has folds, with appropriate shadows and highlights. Other 3d effects have been added where appropriate.
The pre-finishing version is posted at the bottom.